After a tornado, the damage to a property can be devastating, and the process of repairing or rebuilding can be overwhelming.
Knowing what to look for and who to involve in the insurance claim process can make a significant difference in getting the settlement you deserve. In this article, we will cover the key steps and considerations for property owners after a tornado.
Assessing the Damage
The first step after a tornado is to assess the damage to the property. This should be done as soon as possible to ensure safety and prevent further damage.
If the property is deemed unsafe, evacuate immediately and return when a professional has inspected it.
Once it is safe to enter the property, take pictures and videos of the damage, including structural damage, personal property, and any debris or items that may have been lost or damaged.
Insurance Claim Process
After assessing the damage, it is essential to start the insurance claim process as soon as possible. Contact your insurance company and provide them with the information and documentation you have collected.
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The insurance company will likely send an adjuster to assess the damage and determine the value of the claim. If the damage is severe, they may also send a team of adjusters and specialists.
Who Should Be Involved in the Insurance Claim?
During the insurance claim process, several parties may be involved, including:
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Insurance company adjuster: The insurance company adjuster is responsible for assessing the damage and determining the value of the claim. It is essential to cooperate with them and provide them with all the necessary information and documentation.
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Contractor: A contractor can assess the damage and provide an estimate for repairs or rebuilding. They can also provide guidance on the repair process and help ensure the repairs are done correctly.
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Public adjuster: A public adjuster is a licensed professional who can help you navigate the insurance claim process and ensure you receive a fair settlement. They work on your behalf and are paid a percentage of the settlement.
When to Hire a Public Adjuster?
Hiring a public adjuster can be beneficial if you have significant damage to your property or if the insurance company is not offering you a fair settlement.
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They can help you negotiate with the insurance company, prepare documentation, and ensure you receive the maximum settlement possible. A public adjuster can also speed up the claim process and help you avoid costly mistakes.
How Can a Public Adjuster Help?
A public adjuster can help in several ways, including:
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Documentation: A public adjuster can help you document the damage to your property, which is essential in the insurance claim process.
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Claim Preparation: They can also prepare and present the claim to the insurance company, ensuring you receive the maximum settlement possible.
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Negotiation: A public adjuster can negotiate with the insurance company on your behalf to ensure a fair settlement.
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Speed up the claim process: A public adjuster can help speed up the claim process by ensuring all the necessary documentation is provided to the insurance company in a timely manner.
In conclusion, assessing the damage to your property after a tornado and starting the insurance claim process promptly is crucial. You may need to involve several parties in the claim process, including the insurance company adjuster, contractor, and a public adjuster.
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Hiring a public adjuster can be beneficial if you have significant damage to your property or if the insurance company is not offering you a fair settlement. They can help ensure you receive the maximum settlement possible and speed up the claim process.
The Sill team has been advocating for its business and homeowner clients for over 90 years to ensure that your rights are protected and that you maximize your claim recovery.
Our team specializes in insurance claims management, taking on the burden of handling a property insurance claim.
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Sill is the leading public adjusting firm in North America. We have offices throughout North America, so we can respond to any location within hours.